by IDFC FIRST Bank · Updated October 2026
Lifetime free card backed by a fixed deposit: easy approval, zero forex markup, and builds your credit score.
You'll apply on the official IDFC FIRST Bank page. We never ask for your details.
Approval against a fixed deposit, with no income proof needed
0% forex markup
4X reward points on spends
FD keeps earning interest
It's a secured card: your credit limit is a share of the fixed deposit you keep with IDFC FIRST Bank.
Approximate value back on every ₹100 you spend.
The IDFC FIRST WOW! Credit Card is worth it if you spend a lot on online shopping (1%) and groceries (1%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if credit limit tied to your FD amount.
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21–60 years (salaried), up to 65 (self-employed)
Regular income; the bank sets the minimum
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The IDFC FIRST WOW! Credit Card is lifetime free, with no joining or annual fee.
No. The IDFC FIRST WOW! Credit Card runs on Visa, and only RuPay credit cards can be linked to UPI.
No, the IDFC FIRST WOW! Credit Card doesn't include complimentary lounge access.
It's best for students & no credit history. Lifetime free card backed by a fixed deposit: easy approval, zero forex markup, and builds your credit score.
Federal Bank / Axis Bank / BOBCARD
OneCard (with partner banks)
IDFC FIRST Bank